About Square Payments

Square Payments is a cloud-based payment processing tool for businesses within the retail, food and beverage, and health and fitness industries. Key features include fraud prevention, dispute management, touch-free transactions, automated invoicing, and cash flow monitoring. Square Payments’ built-in analytics uses machine learning to track fraudulent activities and monitor transactions in real-time. It can send automatic alerts on suspicious activities. Automatic receipts speed up the checkout processes and ensure a digital record of all purchases is kept. Additionally, this tool comes with an activity dashboard, which consolidates all customer data and provides timely updates on sales and inventory. Square Payments is available on a per-transaction basis and support is provided via documentation, forums, emails, phone, FAQs, and video tutorials. The application involves Terminal API and Reader SDK to streamline payment processing and offers integrations with third-party point-of-sale software and service providers including Mailchimp, Ritual, WooCommerce, and Intuit QuickBooks.
Square Payments Software - Square Payments digital receipts
Square Payments Software - Square Payments virtual terminal
Square Payments Software - Square Payments application dashboard
Square Payments video
Square Payments Software - Square Payments digital receipts - thumbnail
Square Payments Software - Square Payments virtual terminal - thumbnail
Square Payments Software - Square Payments application dashboard - thumbnail

Square Payments pricing

Square Payments has a free version and does not offer a free trial.

Starting Price:
Not provided by vendor
Free Version:
Yes
Free trial:
No

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Square Payments Reviews

Overall rating

4.7
Write a Review!

Feature rating

Value for Money
4.5
Functionality
4.6
Ease of Use
4.7
Customer Support
4.4
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All Square Payments Reviews

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2,566 reviews
Megan
Megan
  • Industry: Nonprofit Organisation Management
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
3
Features
4
Ease of Use
5
Customer Support
4

4.0
Reviewed on 20/03/2024

The convenience of using Square

My overall experience has been great, except for a few hang ups and glitches. I had been worth using for my business, and it works great for my companies needs.

Pros

I like the ease of setting up on the go
I safety features that Square offers
I like that I don't have to just have a stationary POS. I can take it on the go.

Cons

The one thing I dislike is the time it takes for my funds to become available for use or transferring to my bank account. Sometimes I can transfer to my bank account and sometimes I have to wait 24 hours to transfer my funds.

Alternatives Considered

Stripe

Reasons for Switching to Square Payments

Stripe was to complex to try to explain to my co-workers. And is costs more to use monthly.
Laurie
  • Industry: Medical Devices
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 3/12/2024

Easy set up and payments

It was easy to set up invoice templates, based on the types of services we provide. It looks professional on the receiving end and easy for customers to make payments confidently, as Square is a well known name. We can get money deposited into our account quicker than the old merchant service we used.

Pros

The pricing is competitive. The invoice templates we can send to customers are customizable.

Cons

There is a lot of extra clicking to get between invoicing and just taking a payment, which could be minimized.

Nichole
  • Industry: Automotive
  • Company size: 2–10 Employees
  • Used Weekly for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 19/12/2024

Square - user friendly and simple

As a small business owner, being able to get paid is extremely important. I was looking for a user friendly option, and a friend turned me to Square. I love Square.

Pros

I love how easy it is to install and use.

Cons

It can be a bit slow if Square is having issues.

Hussam
  • Industry: Retail
  • Company size: 2–10 Employees
  • Used Daily for Free Trial
  • Review Source
Value for Money
2
Features
3
Ease of Use
4
Customer Support
2

1.0
Reviewed on 28/08/2024

Windsor Jewrlry & Gifts

Very bad payment Proccessing procedures. I’m not obligated to obtain a walk in customer’s address and phone numbers. If you’re suspicious, then it’s your problem. Law doesn’t require me to investigate about a customer. If the payment is successful then it’s done.
You accepted the payment and later you withheld ?!!!!
No ethics.

Pros

Nothing at all! It’s the worst payment service provider I’ve ever dealt with.

Cons

After signing up by two days, they held my payments and requested my business license and bank statements. Etc.
A friend recommended it to me and I really didn’t dig deep to find out more about Square.
They requested a government ID, Selfie.
They wasted my time and caused me stress plus holding my money!!!
Bisness owners: Square is not for professional business owners.

Elizabeth
  • Industry: Retail
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
3

4.0
Reviewed on 19/11/2024

User Friendly and fairly priced.

I have gotten locked out of my account a few times and had difficulty getting back in. You better hope if something goes wrong it is not the weekend. Other than that I love having a square account to take credit card payments on the go with my phone. They give you the first reader for free and the POS are actually priced very well. It is fast and easy to not only set up, but to also use.

Pros

I like that once you start taking payments it only takes 5 minutes tops to appear in your Square account. I also like that you can sign up for a checking and savings account with square and there are no fees for using the card. I like the tap to pay where the customer and I just tap phones together and it makes a sound and a happy face pops up. I can then send a reciept to their email. You get your first reader for free as well. I do not use it anymore really because my phone does not have a 3.5mm headphone outlet, but I prefer tap to pay better anyway.

Cons

The thing I like least if the difficulty getting ahold of customer service at times. Also when I first started taking payments I had to wait days for the money. I am not sure if I get it fast now because I have a square business checking account, or if everyone can get it that fast. I have used it for so long that I do not recall.

Alternatives Considered

Stripe

Reasons for Choosing Square Payments

I use Paypal still, just use the virtual terminal now instead of the qr scanners

Switched From

PayPal

Reasons for Switching to Square Payments

It was a better all around deal and you get the reader for free.
Sadie
  • Industry: Food & Beverages
  • Company size: 11–50 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
3

5.0
Reviewed on 20/11/2024

The most user friendly POS

Pros

Honestly, everything. Between 2009-2011, I looked at so many different POS (we were making the switch from an old push button cash register). Even systems that were designed specifically for coffee shops fell wayyyy flat. Then square came along and made it all so so easy to use. I’m not much of a tech person, especially 13 years ago, and set out whole library up while I was on maternity leave and nursing my baby. It was that easy.

Cons

I am a part of a small local franchise that operates as more of a co-op of shop owners. The one complaint is that We can’t all share gift cards.

Alternatives Considered

Clover, TouchBistro, SpotOn, Toast POS and joe Point of Sale

Reasons for Switching to Square Payments

I’ve been with square since 2009, but because of the gift card issue above, I started seeking out a new POS a few years ago. I did a LOT of research. Even though many other systems offer the global gift card option, Square still came out on top for cost and ease of use.
adam
  • Industry: Information Technology & Services
  • Company size: 11–50 Employees
  • Used Monthly for 6-12 months
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
3

5.0
Reviewed on 12/11/2024

A Reliable Choice for Simple, Occasional Credit Card Processing

Overall, Square has been an excellent solution for processing smaller credit card transactions in our business. The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the process for clients. Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t have to wait for ACH or check approval.

Pros

Square Payments is incredibly easy to use with minimal setup required. I appreciate that there are no monthly subscription fees, which works well for me since I only use it occasionally. The predictable, flat-fee pricing per transaction is a big plus, making it a convenient and affordable option for when clients prefer to pay by credit card.

Cons

I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions. This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver on larger service engagements.

Alternatives Considered

Stripe

Reasons for Switching to Square Payments

We felt that Square was easier to use than Stripe and offered more functionality without the need to purchase add-on services.
Carolyn
  • Industry: Health, Wellness & Fitness
  • Company size: Self Employed
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 15/10/2024

Good Business

My payments always come through when they're supposed to, its easy and convenient to use or carry with me, it has tap tp pay feature and the payments are reasonable.

Pros

Convenient and easy to use, i can carry it with me and the fees are reasonable compared to other processors

Cons

goes offline or says im offline or im not authorized to use the system

Alternatives Considered

Stripe and QuickBooks Enterprise

Reasons for Choosing Square Payments

More affordable also switched booking sites

Switched From

Mindbody

Reasons for Switching to Square Payments

Pricing and ease of use were huge in making my decision
Timmy
  • Industry: Apparel & Fashion
  • Company size: Self Employed
  • Used Weekly for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 1/12/2024

I love this software and the trust that is gives my customers.

I do not think my business could survive without it. The library of items, services and discounts all from my phone or ipad is perfect.

Pros

I am able to take payments and create invoices anywhere. I am able to put in other payment options like a check of cash and still send a receipt.

Cons

I do not like when I open the all on my phone it takes a few seconds to get to where I am trying to get to. I do not ever use the square reader and it always tries to connect to it.

Alternatives Considered

Toast POS

Reasons for Switching to Square Payments

Smaller transaction fees, more payment options, higher reputation.
Brittany
  • Industry: Real Estate
  • Company size: Self Employed
  • Used Weekly for 1+ year
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 8/11/2024

great option for credit collection in person or on phone

great experience would highly reccommend to anyone

Pros

The ease of collection is great. There also many options of collection. In person, over the phone or by sending an invoice.

Cons

The fees are the only bad thing but they are still the lowest ive seen .

Alternatives Considered

Innago

Reasons for Switching to Square Payments

needed an option to take payment over the phone and in person
Chris
  • Industry: Wholesale
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

4.0
Reviewed on 10/09/2024

Great software for the new small business

This is great software for the begginer or someone who has a wide range of people accepting payments

Pros

Ease of use and fluidity from step to step

Cons

The cost and time frame for disbursement of dunds

Troy
  • Industry: Religious Institutions
  • Company size: 2–10 Employees
  • Used Monthly for 1+ year
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
5

4.0
Reviewed on 7/10/2024

A solid product that meets most retail needs

The overall experience is good. There's minimal training needed for p-o-s users. There's a very easy (incredibly easy) user interface. And as mentioned before, it's very easy for the vendor to receive payment quickly, with almost no delay at all.

Pros

It is a very easy way to process credit cards and to receive funds in an expeditious manner.

Cons

The data that is transmitted for accounting purposes is absolutely adequate, but it is difficult at times to know specific information about a client's identity (name, etc).

Tonji
  • Industry: Consumer Services
  • Company size: Self Employed
  • Used Weekly for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 13/10/2024

Dare to Square

Square is a great app to work it's fast and organized

Pros

Square is an excellent way to process payments. It's fast and email friendly.

Cons

When it's time to transfer payments there is now a minimum of 25 dollars to transfer to another account.

Anjalyn
  • Industry: Facilities Services
  • Company size: 51–200 Employees
  • Used Weekly for 1+ year
  • Review Source
Value for Money
4
Features
4
Ease of Use
3
Customer Support
5

4.0
Reviewed on 11/12/2024

My experience with Square Payments

Overall, I would say once you get used to the quirks and learn how to navigate, it becomes more simple to use.

Pros

What I like most about Square payments is that it is quick and efficient once you get to know how to navigate through the system.

Cons

I have found that sometimes it does not retain the credit card information I have stored in it. I have also found that the customer has the ability to remove their credit card number when they know that an automatic debit won't go through. When using the mechanism for an iPad or iPhone, sometimes it lags or doesn't function properly at all.

Joanna
  • Industry: Religious Institutions
  • Company size: 11–50 Employees
  • Used Weekly for 2+ years
  • Review Source
Value for Money
5
Features
4
Ease of Use
5
Customer Support
0

5.0
Reviewed on 19/08/2024

Five stars for Square Payments

Overall it’s a great choice whether selling just a few items or a larger inventory of products. It’s quick and easy to use, which is a huge plus on a busy day.

Pros

Square is so user friendly. It’s easy to create or add products, and I can access it via laptop, iPad or on my phone. People who have never used it before have been able to step in and learn how to easily navigate it in order to run our merch booth. I also like that there is an option to send invoices.

Cons

Nothing at this time! I’ve recommended Square payments to others looking for a safe and efficient way to capture payments across several different applications (churches, small businesses).

Kalina
Kalina
  • Industry: Consumer Goods
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
4
Ease of Use
3
Customer Support
3

4.0
Reviewed on 18/01/2024

Take Stress Out of Your Daily Work Routine With Square Payments

Overall, I'd say my experience with Square Payments has been nothing but exceptional and great. I highly recommend giving them a try.

Pros

I would definitely have to say my favorite features about Square Payments is the effective and easy process to accept online and in person payments is wickedly awesome. I can accommodate each customer to their liking and avoid confusion and mistakes simply.

Cons

Honestly, I really like square payments. Maybe adding a customize option to how we want to view our pages ourselves as the business owner would be cool. I love being able to personalize anything app or item i use.

Crystal
  • Industry: Education Management
  • Company size: 2–10 Employees
  • Used Weekly for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 5/12/2024

Best card reader and online payment processing!

I have used it for years and love it! It has the easiest interface and all of my friends use it!

Pros

The ease of use plus ITS free other than fees.

Cons

It costs money to send emails... It would be better if we got at least one email per month for all of our clients.

Maria
  • Industry: Construction
  • Company size: 11–50 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 24/10/2024

perfect for your business

as a small business owner, square made it very easy to create invoices and process payments with our clients.

Pros

my favorite part is the how easy it is to process payments and invoices

Cons

in the beginning i had the little square plug in thing. did not like it at all

Verified Reviewer
  • Industry: Automotive
  • Company size: 51–200 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
0
Features
5
Ease of Use
5
Customer Support
0

5.0
Reviewed on 18/09/2024

Easy to use payment system

Pros

It is easy to use and was easy to set up/show other employees how to use it. Pricing is very clear.

Cons

It's hard to get in touch with the support team

Verified Reviewer
  • Industry: Music
  • Company size: 11–50 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 24/06/2024

Easy To Use Payment Process Software

Pros

Square is a household name brand. With this popularity the company makes sure the software is easy to use. On first use it is a straightforward process upon first opening & the first sale. I would recommend Square to anyone just beginning their business in face to face sales.

Cons

Square is incredibly easy, there are no cons.

Ray
  • Industry: Entertainment
  • Company size: 2–10 Employees
  • Used Weekly for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 28/05/2024

Square is the new Diamond

Square helped our non-profit became self-sufficient and collect money in advance.

Pros

We use square to handle concession sales and online donations as well as tuition fees. The system works great and we upgraded t the Point of Purchase equipment which made the ease of use so much better and error free.

Cons

Before we switched to the Pint of Sale hardware, every volunteer needed to upload the app to their phone and have a card slider. Now we can have one central unit for all to use.

Kacey
  • Industry: Cosmetics
  • Company size: Self Employed
  • Used Daily for 2+ years
  • Review Source
Value for Money
4
Features
5
Ease of Use
5
Customer Support
3

5.0
Reviewed on 22/06/2024

Better business with Square

It was the overall great experience which allowed my business to run smoothly and professionally

Pros

What I liked the most about using square payments was the accuracy and never having to worry about missing payments and not getting paid.

Cons

Something that at least liked about using square payments was the fact that I would have to wait sometimes a few days to get paid or I'd have to pay a fee to get my money sooner.

Bestenur
  • Industry: Restaurants
  • Company size: 501–1,000 Employees
  • Used Daily for 1+ year
  • Review Source
Value for Money
4
Features
4
Ease of Use
5
Customer Support
4

5.0
Reviewed on 6/09/2024

Efficient, fast and easy payments

Overall, pros are more than cons, customers are surprised about the fast process but tapping part should be easier to locate.

Pros

Efficient and very easy and fast to make payments. Everything is detailed so it is easy to understand what we see.

Cons

Everyone is trying to tap their card on the upper part of the machine since there is a sign so that they cannot think to tap on the screen. It is kind of exhausting explaining this over and over to the customers.

Denise
  • Industry: Retail
  • Company size: 2–10 Employees
  • Used Daily for 2+ years
  • Review Source
Value for Money
5
Features
5
Ease of Use
5
Customer Support
5

5.0
Reviewed on 30/08/2024

Easy payments with square

Square payments are easy settled in your account same day low charges

Pros

Easy to use can use anywhere can use through your phone

Cons

Was disappointed that my card machine after a while stopped working and was told by support nothing they can do after a year you have to buy new terminal

Destiny
  • Industry: Design
  • Company size: Self Employed
  • Used Daily for 1+ year
  • Review Source
Value for Money
0
Features
5
Ease of Use
5
Customer Support
0

5.0
Reviewed on 25/07/2024

Decent Solution Payment Processor w/ Some Security Concerns

Pros

I liked Square payments initially because it was fairly easy to set up, integrated with a lot of the platforms I used, had a fairly quick turnaround time for payouts, and had a few additional features that I thought would be useful in my business as I scaled up.

Cons

My main issue with Square Payments is security. Several of my accounts were compromised due to some fraudulent activity, I had quite a bit of money stolen, and afterwards I didn't feel super confident that Square had adequate fraud protections in place to keep my money safe moving forward. The fraudsters were able to change my password and thus lock me out of my Square account, switch the payout account from my bank account to theirs, and change the verification phone number. I felt so helpless and personally wondered if they couldn't have done more to make it harder for this happen.

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